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PORT PERRY "WEEKEND STAR" Make the call. Whether you're just starting out or you want to switch to friendly, professional service, let me customize a plan to meet your personal financial security goals. bs Freedom $5 B Individual life insurance @ Individual disability insurance B@ Segregated funds Bl RRSPs B Annuities, RIFs, LIFs @ Business insurance @ Group insurance @ Group retirement plans BM Mortgages As a subsidiary of London Life, London Financial Centre Limited offers" Bl Mutual Funds - RESPs, RRSPs, RIFs Your choice of benefi- ciary actually drives how your RRSP assets will be handled upon your death. Your spouse as beneficiary. RRSP assets can be trans- ferred tax-free to your spouse's RRSP as long as your spouse is under age Your estate or someone other than your spouse as beneficiary. Your RRSP will be included as taxable income in your last tax return, much as if you had cashed in your RRSP just before your death. If a beneficiary is designated, the remaining Fortifying your estate with beneficiaries you, oris a child withamen- your loved ones. tal or physical disability. Your RRSP with an insur- Courtesy of, ance company. If you name a Chris Hudson and person as beneficiary Mark Hlozan rather than your estate, Investment proceeds from your RRSP will be paid directly to that person without going Representatives of London Life and London Financial Centre thiSiance an Inveimen a 70. If your spouse is older amount is then paid direct- through probate. This Limited, Representative Members : I than 69, the proceeds can ly to that person. results in savings for your Pickering of the Canadian J be used to purchase an Exceptions. Special rules estate and more money for Associaion vo annuity or ee apply if you do hat faved ; ; \ ment income fun F) spouse when you die an | h) | Res 06 6 S61 Cinivpwind Ree 09 dn 2414 for your spouse. This ifyourbeneficiaryisaminor SCUGOG FINANCIAL | Fee. TANT TRAC 3iL Tl Frees LARTER 7) applies to common-law child or grandchild who was * [EEE SERVICES INC. -- ' spouses as well. financially dependent on IT'S WORTH THE DRIVE TO PORT PERRY! . London Life and design. Freedom 55 and London Financial Centre Limited and design, are trademarks of London Life Insurance Company, used under licence by London Financial Centre Limited.- : # IA. EY XNR N= = DN INAS HI IS NN RSW wwnonts © Annual Rates © GALLERY A DREAM &K&ASSOCIATES si Bas Is a Gift We Give Ourselves INSURANCE & FINANCIAL PLANNERS | ll 2 YEAR................6.35%....... 6.35% - 204 Casimir Street, Port Perry, Ontario LL 1B7 | B@ 3 YEAR................6.50%....... 6.50% : Tel: (905) 9854028 |B 4 YEAR................6.60%....... 6.60% RRSP Tune-up Service |@ 5VYEAR...............6.65%........ 6.65% Is your RRSP doing for you what you want? 2 YEAR CASHABLE +1ceveennnnns AFTER 120 DAYS MINIMUM $1,000. Rates Effective 02/02/00 - Subject to change without notice 250 Queen Street, Port Perry Call Barb Malone now to book your free consultation. 985-3832 (next to Shoppers Drug Mart) ASSOCIATED WITH. [ SHEPHERD & POWELL CHARTERED ACCOUNTANTS & Keller Independent Thinking - from your CHARTERED ACCOUNTANTS, LLP ox Independent Broker Income Tax Planning & Return Preparation Personal Tax Returns Electronically Filed Preparation of Government Returns (14's, 15's) Financial, Estate and Retirement Planning INDIVIDUALS CORPORATIONS SMALL BUSINESS FARMS 204 Casimir Street, Port Perry 1-888-595-4413 Serving Scugog for over 25 years. Van Camp TO ACHIEVE YOUR RETIREMENT DREAM, YOU NEED A PLAN. We dream of enjoying a wonderful retirement filled with family, friends and the chance to do exactly as we please. But to get there you need a plan; a plan for seeing beyond today's RRSP contribution to your total retirement plan. Balancing today's cash flow with tomorrow's.need for a retirement nest egg sometimes seems like an impossible task. But it doesn't have to be if you take it one small step at a time. Putting away a little now for the future is a part of that plan. So is making sure your investments are working as hard as possible for you. And you'll want to protect that nest-egg by ensuring your » plan aims to minimize taxes when the time comes to pass those investments on to your loved-ones. We offer a wide variety of Products & Services from Banks, Trust Companies, Insurance Industry & Mutual Fund Industry RRSPs & Investment Planning, GICs, Investment Funds, Seg. Funds, Income WE CAN HELP YOU MAKE SENSE OF IT ALL! BRIAN J. . EVANS FINANCIAL SERVICES 38 Toronto St., N., Unit #2, Uxbridge (905) 852-3184 * 1-800-268-0417 - BRIAN J. EVANS : Telephone email - bjevans @interhop.net (905) 985-9725 web page: www.efpg.com/bjevansfinancial Associated with Investment & Tax Counsel Corporation AN IOAN DENT KON IE DAN BHI BNL SATE RDAYS DURING FEBRUARY 9:(H)-5:04) Toll Free 1-800-215-3852 5 | 145 QUEEN STREET, PORT PERRY TM - Trademark of CIBC 1 * - CIBC Trust is a member of the CIBC C Group of Companies Down-to \ 1 earth financial management Your terms, your comfort MONEY CONCEPTS Affiliated with Money Concepts Group Capital Corp. email dnoble @accglobal.net RRSPs, RRIFs, Mutual Funds, GICs, Segregated (guaranteed) Funds, Life Insurance, Annuities... Everybody's talking about them again, But do they listen to what you need?? Come Talk to Us About Your Personal Financial Goals. WE'RE LISTENING! February 7 Call 852-3486 for'more information and to reserve your seat Money Concepts, 12 Main St. N., Uxbridge 852-3486